What is the minimum guaranteed surrender value for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

Issued by Minnesota Life Insurance Company, part of Securian Financial, SecureOption® Focus 7 offers a guaranteed rate of interest for the full 7-year period. The product is available for qualified and non-qualified funds and features an ROP guarantee that ensures 100% of the original premium is available upon full surrender, regardless of withdrawals or surrender charges. The product combines protection, steady growth, and access to liquidity, making it ideal for conservative investors seeking principal security with competitive long-term rates.

What is the minimum premium amount for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

The minimum premium amount is $10,000.

What is the maximum issue age for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

The maximum issue age is 90 years.

What is the current interest rate for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

The current interest rate is 3.45%.

What is the surrender charge schedule for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

Withdrawals exceeding the penalty-free amount or full surrender during the term are subject to a declining surrender charge schedule, beginning at 7% in Year 1 and decreasing annually to 0% by Year 7. The ROP feature guarantees that even after applying these charges, the total surrender value will never drop below the initial premium. A Market Value Adjustment (MVA) also applies to early withdrawals beyond the free-withdrawal limit, adjusting the value based on current market interest rates.

What are the best rates available for Securian Financial – SecureOption® Focus 7 (Return of Premium)?

The best available rate is 3.75% for a 7 year term.

Securian Financial

Securian Financial – SecureOption® Focus 7 (Return of Premium)

About this product

The Securian Financial SecureOption® Focus 7 is a single-premium Multi-Year Guaranteed Annuity (MYGA)designed to offer guaranteed growth, liquidity flexibility, and a Return of Premium (ROP) feature for added security. It provides a fixed interest rate for seven years, ensuring predictable, tax-deferred accumulation and protection from market volatility. The ROP feature guarantees that the owner will never receive less than their initial premium, even if withdrawals or market conditions reduce the account value. Upon maturity, policyholders can renew, withdraw, or annuitize without penalty.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

7 Years

3.75%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $34,999.00	3.45%
$35,000.00 - $99,999.00	3.65%
$100,000.00 - $1,000,000.00	3.75%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage